PHIMAC CONSULT
ActivePHIMAC CONSULT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €449k and a net result of €43k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 57% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-10
Solvency80▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.82 in 2024; short-term debt: 29.4% and cash: 11.9% of total assets), and 45.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.9%
Return on assets
5.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
15 d early
2023
22 d early
2022
31 d late
2021
2 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€449k▲ 2.4%
2024 · €439k
2018: €163k
2019: €196k
2020: €254k
2021: €222k
2022: €244k
2023: €336k
2024: €439k
2018 → 2025
Total assets
€819k▼ 9.5%
2024 · €904k
2018: €668k
2019: €695k
2020: €749k
2021: €785k
2022: €723k
2023: €895k
2024: €904k
2018 → 2025
Net result
€43k▼ 63.4%
2024 · €118k
2018: €15k
2019: €33k
2020: €58k
2021: €29k
2022: €23k
2023: €151k
2024: €118k
2018 → 2025
Working capital
€205k▼ 17.2%
2024 · €247k
2018: €151k
2019: €145k
2020: €158k
2021: €120k
2022: €131k
2023: €216k
2024: €247k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€222k-€244k▲ 10.2%€336k▲ 37.7%€439k▲ 30.5%€449k▲ 2.4%
Operating result€50k-€51k▲ 1.9%€227k▲ 347%€180k▼ 20.5%€68k▼ 62.1%
Net result€29k-€23k▼ 22.2%€151k▲ 567%€118k▼ 22.2%€43k▼ 63.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €819k
Fixed assets
€373k▲ 5.0%
Current assets
€445k▼ 18.8%
Equity and liabilities €819k
Equity
€449k▲ 2.4%
Debt
€369k▼ 20.7%
The debt ratio falls from 51.4% to 45.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€113k▼
2024 · €217k
Cash flow
€88k▼
2024 · €154k
Solvency
54.9%▲
2024 · 48.6%
Current ratio
1.85▲
2024 · 1.82
Quick ratio
1.62▲
2024 · 1.53
Debt / equity
0.82▼
2024 · 1.06
ROE
9.6%▼
2024 · 26.8%
ROA
5.3%▼
2024 · 13.0%
Interest coverage
24.72▼
2024 · 32.67
Debt
€369k▼
2024 · €465k
Debt ≤ 1 year
€241k▼
2024 · €301k
Debt > 1 year
€129k▼
2024 · €158k
Income taxes
€22k▼
2024 · €59k
Staff costs
€321k▲
2024 · €269k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€904k€819k▼
Fixed assets21/28€356k€373k▲
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€352k€371k▲
Land and buildings22€339k€348k▲
Plant, machinery and equipment23€12k€12k▼
Furniture and vehicles24-€10k
Current assets29/58€548k€445k▼
Stocks and contracts in progress3€87k€55k▼
Stocks30/36€87k€55k▼
Amounts receivable within one year40/41€296k€222k▼
Trade receivables40€219k€208k▼
Other amounts receivable41€77k€14k▼
Current investments50/53€80k€70k▼
Cash at bank and in hand54/58€85k€98k▲
Deferred charges and accrued income490/1€740€1k▲
Equity and liabilities
Total equity and liabilities10/49€904k€819k▼
Equity10/15€439k€449k▲
Contributions10/11€6k€6k=
Reserves13€433k€443k▲
Tax-exempt reserves132€16k€16k=
Distributable reserves133€417k€428k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Pensions and similar obligations160€0-
Amounts payable17/49€465k€369k▼
Amounts payable after more than one year17€158k€129k▼
Financial debts170/4€158k€129k▼
Amounts payable within one year42/48€301k€241k▼
Current portion of amounts payable after more than one year42€39k€29k▼
Financial debts43€47k€0▼
Credit institutions430/8€47k€0▼
Trade debts44€139k€146k▲
Suppliers440/4€139k€146k▲
Taxes, remuneration and social security45€76k€66k▼
Taxes450/3€40k€26k▼
Remuneration and social security454/9€36k€40k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€6k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€269k€321k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€45k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-13k€0▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€32€0▼
Gross operating margin9900€475k€438k▼
Operating profit (loss)9901€180k€68k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€176k€65k▼
Income taxes67/77€59k€22k▼
Profit (loss) for the period9904€118k€43k▼
Profit (loss) for the period to be appropriated9905€118k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€118k€43k▼
Transfer from equity791/2€15k€33k▲
Transfer to equity691/2€118k€43k▼
To other reserves6921€118k€43k▼
Profit to be distributed694/7€15k€33k▲
Return on contributions (dividend)694€15k€33k▲
Social balance
Average headcount (FTE)90874.94.9=
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €151k ▲567%
Operating result €227k, net result €151k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €254k ▲29.6%
3 profitable years in a row build equity to €254k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Waasmunster · 3 establishment units since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hoogstraat 1579250 WaasmunsterGround area
2,570 m²
Building footprint
580 m²
Volume, LiDAR
2,680 m³
3 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
PHIMAC
since 20102.191.821.007
Phimac Consult
since 20132.220.941.692
Phimac Consult
since 20172.261.240.046
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34009B0036/00L000 | Flanders | 1,624 m² | 1 · 163 m² | 8.8 m · 2 fl. |
| 34009A0357/00D003 | Flanders | 664 m² | 1 · 201 m² | 9.2 m · 1 fl. |
| 42342C1664/00T007 | Flanders | 281 m² | 1 · 215 m² | 8.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 5 entries · 10,293 EUR awarded · 10,175 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 2 | 2,916 EUR | 3,492 EUR |
| 2023 | 1 | 1,534 EUR | 840 EUR |
| 2022 | 2 | 5,843 EUR | 5,843 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Werkbaarheidscheque (stopgezet)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
1 endedLegal Entity Identifier
98450079HFE511AE3793
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,385. 12,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2010
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:wouter@phimac.be